BlastPoint's Banking Scorecard
Farmers & Merchants Bank & Trust
Marinette, WI
3 branches across WI
Farmers & Merchants Bank & Trust has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency Ratio 1.46% above tier average
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$173.6M
+3.1% YoY
-0.2% QoQ
|
-$212.4M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$119.3M
+5.3% YoY
+1.1% QoQ
|
-$136.4M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$146.6M
+3.4% YoY
+0.1% QoQ
|
-$181.4M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
1.15%
+75.3% YoY
+87.5% QoQ
|
-0.12% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
4.35%
+20.4% YoY
+11.0% QoQ
|
+0.42% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
66.75%
-14.9% YoY
-11.9% QoQ
|
+1.46% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
1.23%
-15.3% YoY
+13.5% QoQ
|
+0.34% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
81.38%
+1.9% YoY
+1.1% QoQ
|
+4.75% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
17.94%
-0.1% YoY
+0.1% QoQ
|
-4.08% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.90%
-18.3% YoY
+14.0% QoQ
|
+0.26% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
16.72%
-0.0% YoY
+1.9% QoQ
|
+0.89% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.11%
+121.1% YoY
-54.4% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
59% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.